1. Integration Guide
  2. Oracle Banking Corporate Lending

1 Oracle Banking Corporate Lending

This topic provides the integration touch points of Oracle Banking Corporate Lending with Oracle Banking Supply Chain Finance.

The following table describes the details of the integration touch points.

Table 1-1 Integration Touch Points

Integration Touch Point Stage in OBSCF Purpose Mandatory Request Parameters Mandatory Response Parameters
Product Mapping Day0 Set Up Used in invoking API of Loan Processor during Transaction Processing - -
Get Interest Details Master Maintenance - Preferential Pricing Used to get Interest Parameters which would be overridden by the user maintaining Preferential pricing for a Customer, program, Product etc. in OBSCF Product Code Interest Type (Front Ended/Rear Ended)
Processing - Finance Workflow Used to get Interest Parameters during Transaction Processing if no set up of Preferential pricing is available, User can override these parameters and these parameters are sent to Loan processor during Loan Creation -
  • Interest Rate Type (Floating/Fixed)
  • Interest Rate Code (in case of Floating)
  • Interest Rate (with slabs if applicable)
  • Spread if any (with +ve, -ve indicator)
  • Rate Reset Details (with Floating Rate)
Get Overdue Interest Details Master Maintenance - Preferential Pricing Used to get Overdue Interest Parameters which would be overridden by the user maintaining Preferential pricing for a Customer, program, Product etc., in OBSCF Product Code Overdue Interest Rate Type (Floating/Fixed)
Processing - Finance Workflow Used to get Overdue Interest Parameters during Transaction Processing if no set up of Preferential pricing is available, User can override these parameters and these parameters are sent to Loan processor during Loan Creation -
  • Overdue Interest Rate Code (in case of Floating)
  • Overdue Interest Rate (with slabs if applicable)
  • Spread if any (with +ve, -ve indicator)
  • Rate Reset Details (with Floating Rate)
Calculate Interest Processing - Finance Workflow Used to calculate Interest basis the Parameters sent by OBSCF.
  • Interest Type (Front Ended/Rear Ended)
  • Interest Rate Type (Floating/Fixed)
  • Interest Rate Code (in case of Floating)
  • Interest Rate (with slabs if applicable)
  • Spread if any (with +ve, -ve indicator)
  • Rate Reset Details (with Floating Rate)
  • Transaction Amount & Ccy
  • Business Date
  • Loan Start Date
  • Loan End Date
  • Interest Amount & Currency
  • Exchange Rate (if Interest Currency is different from Transaction Currency)
Create Loan Post Authorization - Finance Disbursement Used to create a Loan in Loan Processor basis the Transaction Details and Loan Parameters sent from SCF
  • OBSCF Finance Reference No
  • Transaction Amount & Ccy
  • Business Date
  • Loan Start Date
  • Loan End Date
  • Repayment Type (Bullet)
  • Loan Processor's Product Code
  • Interest Details (as mentioned in 4th point request)
  • Overdue Interest Details (similar to Interest Details)
  • Grace Days
  • Accounting Information (Suppressing Posting of Accounting Entries from Loan Processor)
  • Limit Utilization Flag - would be sent as No
 -
Get Outstanding Details EOD - Batch Used to get Outstanding Details for any Loan from Loan Processor since calculation/Accrual/Amortization would happen in Loan Processor Loan Reference No Principal Outstanding
Post Authorization - Finance Disbursement - Business Date Interest outstanding as on Value Date
Post Authorization - Finance Settlement - Value Date Overdue Interest Outstanding as on Value Date
Loan Repayment Post Authorization - Finance Settlement Used to Partly Settle/Fully Settle Loan in Loan Processor
  • Loan Reference No
  • Business Date
  • Value Date
  • Repayment Amount
  • Amount Paid Towards Principal
  • Amount Paid Towards Interest
  • Amount Paid Towards Overdue Interest
  • Accounting Information (Suppressing Posting of Accounting Entries from Loan Processor)
  • Limit Utilization Flag - would be sent as No
  • Principal Outstanding
  • Total Interest Outstanding
  • Total Overdue Interest Outstanding
  • (If all the above components are 0 then loan would be marked as Fully Settled in OBSCF assuming it would have been fully settled in Loan Processor as well)
Accounting Entries Mapping Day0 Set up Usage of a Bridge GL instead of actual customer/eft suspense accounts in OBCL - -
Delinquency & NPA management Day0 Set up Used in OBSCF to display with other Product Parameters - -
EOD - Batch Used to get the status (Delinquency bucket) of the loan
  • Loan Reference No
  • Value Date
 Delinquency Bucket
Used to get the status of the Borrower
  • Borrower Id
  • Value Date
  • Delinquency Bucket
  • NPA (Yes/No)

Note:

*Error Code and Error Description are mandatory response parameters in all touch points.